The CustomerCreditTransferInitiation message is sent by the initiating party
to the forwarding agent or debtor agent. It is used to request movement of
funds from the debtor account to a creditor.
The CustomerCreditTransferInitiation message can contain one or more customer
credit transfer instructions.
The CustomerCreditTransferInitiation message is used to exchange:
- One or more instances of a credit transfer initiation;
- Payment transactions that result in book transfers at the debtor agent or
payments to another financial institution;
- Payment transactions that result in an electronic cash transfer to the
creditor account or in the emission of a cheque.
The message can be used in a direct or a relay scenario:
- In a direct scenario, the message is sent directly to the debtor agent. The
debtor agent is the account servicer of the debtor.
- In a relay scenario, the message is sent to a forwarding agent. The
forwarding agent acts as a concentrating financial institution. It will
forward the CustomerCreditTransferInitiation message to the debtor agent.
The message can also be used by an initiating party that has authority to
send the message on behalf of the debtor. This caters for example for the
scenario of a payments factory initiating all payments on behalf of a large
The CustomerCreditTransferInitiation message can be used in domestic and
The CustomerCreditTransferInitiation message must not be used by the debtor
agent to execute the credit transfer instruction(s). The
FIToFICustomerCreditTransfer message must be used instead.
If it is agreed to include the payment information related to the debit side
only once (i.e. Grouped mode), the PaymentInformation block will be present
If it is agreed to repeat the payment information related to the debit side
(i.e. Single mode), the PaymentInformation block must be present once per
occurrence of the CreditTransferTransactionInformation block.
The CustomerCreditTransferInitiation message also allows for a Mixed mode
where the PaymentInformation block can be repeated and each
PaymentInformation block can contain one or several
CreditTransferTransactionInformation block(s). Single When grouping is set to
Single, information for each individual instruction is included separately.
This means the PaymentInformation block is repeated, and present for each
occurrence of the CreditTransferTransactionInformation block. Grouped When
grouping is set to Grouped, the PaymentInformation block will be present once
and the CreditTransferTransactionInformation block will be repeated. Mixed
When grouping is set to Mixed, the PaymentInformation block may be present
once or may be repeated. Each sequence of the PaymentInformation block may
contain one or several CreditTransferTransactionInformation block(s).